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Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. However, some payments may take up to 2 business days. Available to almost anyone with a U.S.-based bank account. For your protection, Zelle should only be used for sending money to friends, family, or others you know and trust. Sending money through Zelle is similar to making a payment in cash. Your mobile carrier’s message and data rates may apply.